What’s an MTCN, or Money Transfer Control Number?

Using the Western Union® service to transfer money is like buying any other service or product - you'll get a receipt and it’s best to keep it. Our receipt includes a tracking number or MTCN (Money Transfer Control Number), which is a 10-digit reference code assigned to every single money transfer you make with us.

What do I do with the MTCN?

An MTCN will be generated regardless of what Western Union service you’re using to transfer money. Whether you’re sending money online internationally to a bank account or from one of our agent locations to send cash to a family or friends, it’s important to keep your tracking number (MTCN).

You’ll need to tell your receiver the tracking number (MTCN) so they can pick up their money at one of our many agent locations. They’ll need to provide an approved form of ID along with the MTCN to prove that they are the legitimate receiver of the funds. Do not disclose the MTCN, or any other details of your transaction, to anyone other than your intended receiver.


Will the MTCN, make this process more secure?

Western Union is a global leader in money transfer. Millions of people rely on us each year to send money internationally and around the corner to loved ones, and the tracking number (MTCN) is just another way that makes sure the right person receives their funds.

While it is mandatory for the receiver to provide the MTCN and a valid form of ID, it isn’t a security measure. We suggest you familiarise yourself with common scams and fraudulent activity as explained in our Consumer Protection information to protect yourself and your money.

What happens if I have a problem?

If you need to contact our Customer Care regarding a specific transfer, it's helpful to provide the tracking number (MTCN).

Getting started is easy

Sign up for an account online.

Choose your sending method.

Enter your receiver and payment information.


* Western Union also makes money from currency exchange.  When choosing a money transmitter, carefully compare both transfer fees and exchange rates.  Subject to applicable taxes, if any.

** Card issuer cash advance fee and associated interest charges may apply. Use a debit card to avoid these fees and charges.

1Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory and foreign exchange issues, required receiver action(s), identification requirements, Agent location hours, differences in time zones, or selection of delayed options. Additional Restrictions may apply. See Online Terms & Conditions for details.